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Ask Our Specialists
Patriot America plus vs Atlas America Hi, I am looking for a visitors insurance, in dilemma between Patriot America plus & Atlas America. In Patriot America plus, if i take my mother for severe fever to urgent care(outpatient), should i pay the deductible(250 0r 500$)? or only the copay? and also the chances of billing directly in Atlas america? If chances are low, i need to pay 20% on 5000$
Thank you for contacting Insubuy. Short term health insurance plans have no concept of a copayment with the exception of the Atlas America when visiting the urgent care facility. With the Patriot America Plus you would pay all expenses out of pocket until you reach your deductible amount. Next the coinsurance would apply for the first $5,000 dollars whether you are in or out of network. Then the plan will pay the remaining cost 100 percent up to the policy maximum you select for covered expenses. With the Atlas America plan If the provider chooses not to bill directly you are responsible for 20% of the first $5,000 in covered expenses after the deducible or copayment. One of the benefits of going to a network provider is direct billing. Most of the time the provider should bill the insurance directly if they are in in-network. Please do keep in mind, direct billing is solely up to the provider so they can also decline to bill directly. In this case you would pay for the expenses out of pocket, and file a claim for reimbursement. If you have any additional questions please let us know. You may also contact our office at (866) INSUBUY. You can also read /compare/atlas-america-vs-patriot-america-plus-insurance/
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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There are many advantages in purchasing from Insubuy® and no disadvantages.
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Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
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You are not eligible to enroll in Medicare for the first 5 years.
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You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreAre you an exchange visitor to USA?
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
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Schengen countries require most non-US citizens to purchase Schengen visa insurance.
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You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
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Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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